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Small-Scale Industries are viewed as an important vehicle for both the growth and equity objective of developing economies. Despite a plethora of policies and programmes to promote SSIs in developing countries, the graduation rate of SSIs remains very low. Most small industries surveys conducted in developing countries report that lack of access to credit represents a strong restriction on expansion of small-scale industries represents a strong restriction on the expansion of small - scale industrial establishments, with the proprietors themselves typically perceiving finance as their most pressing input constraint.